AHMF is a low-cost prepaid, capitation-based medical fund. It pays service providers in advance so members are not asked to pay shortfalls, top-ups, or co-payments. AHMF distributes monthly subscriptions directly to providers, ensuring 100% settlement.

Anyone can join, and there is no age limit. AHMF is suitable for individuals, families, schools, institutions, groups, farm employees, and shop-floor workers. There is also no limit on dependents.

Members enjoy: Unlimited consultations with nurses and GPs Specialist consultations (on GP referral) Hospital admissions at participating facilities X-rays, scans, blood tests, biochemical tests Emergency ambulance services Maternity services (midwives + obstetricians) Medication up to $200 per calendar year Additional benefits include low subscriptions, no shortfalls, a countrywide provider network, and no limits on consultations.

Waiting periods vary depending on membership type and service category: Group cover: No waiting period Individual cover: 14 days for administration and correspondence 4 months for specialist visits, medication, lab tests, X-rays, scans, ambulance services 6 months for hospital admissions (no waiver) 9 months for maternity services (waiver applies if 5 months subscriptions are paid) There is no waiver for known pre-existing surgical conditions.

Payments are made monthly or termly for students, covering four months including holiday breaks. This makes the fund affordable and predictable for schools and institutions..

Yes. AHMF offers full medical cover for schoolchildren, including consultations, emergencies, investigations, and hospitalization.

“No shortfalls” means that for all benefits covered under your package, you will not be asked to pay additional money (top-ups, co-payments, or shortfalls) at the point of service.

Groups such as schools, farms, and companies can join by: Contacting AHMF through the details on the Contact Page Submitting the online contact form Visiting the AHMF offices at 76 Second Street, Mutare.

The following services require referral from a GP or midwife: Specialist consultations Maternity care (specialist obstetricians) Certain investigations depending on clinical need.

Yes. AHMF offers a countrywide network of service providers, ensuring members can access care wherever they are.